How much can I send?

How much you send depends on the country and provider you send to. In general, there is a maximum amount a recipient can hold in their mobile money wallet ("Maximum wallet balance") and a maximum transfer size. You cannot send a transfer larger than the maximum transfer size. If you send a transfer that means your recipient's wallet will hold more than the maximum wallet balance, that transfer will also fail. The limits per provider are in the table below - in Zambia, mobile money users can have two different kinds of accounts, with two different maximum transfer sizes and maximum wallet balances. They will have a tier 1 account if they registered with a government ID or registration card, and a tier 2 account if they registered with their passport and/or proof of bank account.

Provider

Maximum transfer size

Maximum wallet balance

MTN Ivory Coast

FCFA 1,500,000

FCFA 1,500,000

MTN Zambia

Tier 1: ZMW 10,000

Tier 2: ZMW 20,000

Tier 1: ZMW 10,000

Tier 2: ZMW 20,000

Wari Senegal

FCFA: 655,960

No limit

So, as an example: Your friend Patricia has a tier 1 wallet. If you send ZMW 8,000 to Patricia in Zambia and Patricia's wallet is empty, the transfer will succeed. If you then decide to send Patricia another ZMW 4,000 right after and Patricia hasn't moved the first transfer out of her wallet, her wallet would now have to hold ZMW 12,000 - more than the maximum wallet balance. The entire transfer of ZMW 4,000 will fail. If you send a transfer of ZMW 12,000, this transfer will always fail, even if Patricia's wallet is empty, because it is larger than the maximum transfer size.